cccs

itsnever2lateisit?

Agree with Tine and waspeze. If the amount you are paying is lower than CCCS suggest then it will take you longer to get debt free, especially as you are paying a fee to a commercial company as well.

In going to CCCS you are, I would have thought, looking to off load your debts cheaply and quickly.

From your posts it looks as if you still want the odd night on the town in preference to paying off your debt, which is fine, but understand that it will take you longer

michelle1985_2

im just going by what i was told like ive said i cant find anything about so i dont know where they got it from but i just dont want to go into a agreement and if they were working for the creditors for then to be told in a few months i had to start paying more

compulsivespender79

Rest assured, they do not "work for" any creditors. They are very supportive, and will only put forwards to your creditors what you can afford to pay. You will have periodic reviews, but if your financial state hasn't changed then neither will your payments to CCCS.

michelle1985_2

ok thanks well its put my mind to rest i was just starting to worry as we sent all the paperwork signed to them and posted out the letters to the creditors telling them we are going on it. What do we do about this months payments to the creditors as it is not due to start with cccs till 1st june so do we pay the full amount or just a little bit or nothing

coolmum

hiya

ive just had my 2nd yearly review with CCCS and the budget they set me is far greater than what i had to struggle on before i started with them


theyve always been very helpful with me and even suggested that i lower my payments as everythings gone up but ive been plodding on nicely for the last 2 years and dont want to rock the boat so am keeping it as it is


starting a DMP with CCCS is the best thing ive ever done in dealing with my debts

itsnever2lateisit?

michelle1985 wrote: »

ok thanks well its put my mind to rest i was just starting to worry as we sent all the paperwork signed to them and posted out the letters to the creditors telling them we are going on it. What do we do about this months payments to the creditors as it is not due to start with cccs till 1st june so do we pay the full amount or just a little bit or nothing

Either pay the amounts that are proposed from 1st June or if that is too much then make a token payment. If you pay nothing your creditors may wonder if the agreement will work, dont give them any excuse to back out

moneysavingmumofone

perfectlypoor wrote: »

I found the amounts they alllowed for the expenses to be quite reasonable and so far have found things with them have gone smoothly.

Me too, i thought the amounts they allowed were very reasonable and they let you budget for things like xmas/birthdays too that are not really 'essentials'.